If you’re looking to simply buy the market broadly and keep your costs down, you can’t do much better than the Vanguard S&P 500 ETF (VOO). With expenses of about 0.05%, or just $5 for every $10,000 you invest, this is a remarkably cost-effective way to play stocks.

You also have the defensive strategy of diversification baked in, distributing your money across the entire S&P 500 and all of the different stocks and sectors therein.

If you’re not sure what flavor of stock will lead the recovery, why not buy the whole market? And if you’re worried about a correction, why not hide out in a wide array of large-cap holdings to mitigate your risk?

It’s not creative, but it’s effective. There’s a reason Vanguard raked in $130 billion in assets last year — because passive indexing by purchasing a fund like the VOO makes sense. And more importantly, it makes investors money.